7 Best Labradoodle Pet Insurance Plans Compared in 2022

Updated on by Matthew H. Nash – Licensed Insurance Agent

As a nationally licensed insurance agent and lifelong pet owner, I am here to demystify dog insurance for your labradoodle. Labradoodles are among the sweetest dogs in the world. Who can resist with their adorable curly hair, loveable demeanors, and sweet faces? Despite how great a breed Labradoodles are, they are not immune to disease and injury. Since they are a mixed breed (a purebred poodle mixed with a purebred labrador retriever), they tend to experience significant health problems less frequently than their purebred parents. However, illnesses and injuries can still happen, and labradoodle owners are at risk of financial strain, as veterinary care can be expensive.  Read more about our unbiased ranking methodology and advertiser disclosure.

Top Labradoodle Pet Insurance Scored, Ranked & With Cost

Use our below table to quickly compare the best Labradoodle pet insurance providers. The average monthly specific prices shown are based on a healthy 2-year-old Labradoodle with a $500 deductible and 90% reimbursement amount who is located in California with a 90210 zip code. Costs may vary based on age, location, and the coverage amount. Prices are accurate as of January 2022 and are subject to change. For the most up-to-date information, please visit the provider website.

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$26.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Labradoodle Pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
4.5
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$55.34/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • They offer up to 100% reimbursement with a $20,000 annual maximum benefit for a reasonable fee and have fast reimbursement options
  • Wagmo Wellness plans reimburse you for the routine and preventative care you do for your pets annually
  • Founded in 2017 and underwritten by National Specialty Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$41.20/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Figo offers users an amazing complimentary service to connect with Labradoodle Pet vets via video chat 24/7
  • They also have an easy-to-use pet records app and real time claims tracker
  • Founded in 2013 and underwritten by Independence American Insurance Company
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$46.99/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$5,000

  • Their “Healthy Pet Deductible” allows your annual deductible to go down by $50 each year that you don’t receive an insurance claim reimbursement
  • Embrace paid 93% of claims in 2019 and their member portal is user-friendly
  • Founded in 2003 and underwritten by American Modern Insurance
pumpkin logo
4.4
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$64.55/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$10,000

  • Pumpkin Pet Insurance plans have extensive coverage and they always have a 90% reimbursement rate
  • Pumpkin Pet Insurance plans have no breed or upper age restrictions, and dental illness and hereditary conditions are covered at no extra cost
  • Founded in 2020 and underwritten by United States Fire Insurance Company
4.2
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$62.58/mo

REIMBURSEMENT AMOUNT

80%

ANNUAL
 BENEFIT

$8,500

  • Eusoh is not your typical pet insurance company but instead is a vet expense sharing community
  • Ideal for young, healthy pets and premiums vary depending on the amount of claims submitted in any given month
  • Founded in 2017, Eusoh is a community based subscription service supported by its members
4.1
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$105.15/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

Unlimited

  • Trupanion is the only provider on our list that has an unlimited annual benefit with no payout limits
  • They are unique in that they offer “Vet Direct Pay” instead of reimbursements
  • Founded in 1999 and underwritten by American Pet Insurance Company

lemonade
4.9
  • SwiftScore
      Our SwiftScore is a unique and proprietary insurance ranking system objectively comparing key metrics which are most important to pet parents. Learn more at the end of this page.

STANDARD PLAN COST FOR LABRADOODLE

$26.50/mo

REIMBURSEMENT AMOUNT

90%

ANNUAL
 BENEFIT

$20,000

  • Lemonade has the best Labradoodle Pet insurance policy at the most affordable rates
  • Their user experience is world class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders

Labradoodle Pet Insurance FAQs

What is dog insurance? Why should I enroll my Labradoodle in dog insurance?

Dog insurance is essentially medical insurance coverage for canines. Dog insurance prevents high out-of-pocket expenses from plaguing dog owners by reimbursing dog owners a certain amount that is spent on veterinary bills. Dog owners can enroll in dog insurance in a few simple steps: find a plan that works for you, pay the monthly premium, and then begin to submit reimbursement requests when needed!

Dog insurance is a handy tool to have as a Labradoodle owner because veterinary care can be expensive. Even though Labradoodles are generally healthy dogs, they are not immune to common illnesses and injuries that can happen to all dogs.

How old does my Labradoodle puppy need to be to be eligible for coverage?

Most dog insurance plans require that puppies are at least 8 weeks old to be eligible for coverage. However, it may be good to check with each plan specifically, as age requirements can vary.

What are the most common dog insurance claims for Labradoodles?

As mentioned previously Labradoodles are a generally healthy breed. Like other mixed breeds, the chances of Labradoodles inheriting any chronic genetic conditions from their purebred parents are significantly lower than purebred offspring. However, it is still possible for them to develop health issues and experience other illnesses and injuries. Some of the most common health conditions in Labradoodles that vets treat are allergies, joint problems, and epilepsy. Each of these conditions can range from mild to severe, and may require trips to the vet for medical attention.

What is covered by dog insurance? Are there any veterinary services that are not covered by dog insurance?

Most dog insurance plans will cover basic veterinary care, including any veterinary services needed to treat sudden illnesses or injuries. Some plans may also cover the cost of additional expenses, such as hospitalizations and anesthesia.

If you are interested in coverage for preventative care, some plans offer “add-on” coverage for services such as routine physical exams and flea and tick treatments.

In general, dog insurance plans offer a wide range of coverage options. However, it is unusual for dog insurance plans to cover any veterinary treatment needed to treat pre-existing conditions.

How will my insurance provider reimburse me?

Dog insurance differs from human health insurance in that most insurance carriers utilize a reimbursement model. Instead of your veterinarian sending a bill to the insurance provider, the bill will be sent to you as the owner, which you are responsible for paying. Then, you can submit a request for reimbursement to your insurance provider.

The amount that you will be reimbursed is determined using your reimbursement rate percentage and your deductible. This means that while you most likely would not be reimbursed for the full amount, you will be reimbursed for a significant portion of the bill.

Which is better: a lower deductible plan or a higher deductible plan?

Each of these types of plans is not necessarily better than the other. A good rule of thumb is to enroll in whichever type of plan is best for you and your monthly finances. For example, a plan with a high deductible usually means a lower monthly payment, which can be ideal for some dog owners.

5 Useful Strategies for Keeping Your Labradoodle Safe & Healthy

In addition to dog insurance, there are many other steps that you can take to keep your Labradoodle safe and healthy.

1. Healthy Diet

A well-balanced diet that is rich in nutrients is essential for your pup’s health. When choosing a dog food, make sure that the food is high in protein. To find a food that is right for your pup, one suggestion is to talk with your dog’s vet for recommendations.

2. Regular Exercise

All dogs need daily exercise to stay healthy and Labradoodles are no exception. Try to have your Labradoodle get 20 to 30 minutes of exercise per day, whether you take walks, visit the dog park, or play in the backyard.

3. Oral Hygiene

It is common for dog owners to forget about their dog’s teeth, but oral hygiene is just as important for dogs as it is for humans. Dogs can develop a variety of tooth and gum diseases that can cause damage to other organs in the body, which is why it is important to keep your dog’s teeth brushed and healthy.

4. Keep their ears clean

Labradoodles are prone to developing ear infections, which is why cleaning their ears often is so important. Even just taking a warm washcloth and gently rubbing around their ears can prevent nasty and painful ear infections.

5. Attention and love

Labradoodles are one of the sweetest breeds out there. They are excellent companions for owners of all ages, especially families. These pups need regular affection and attention from their owners to feel safe and happy.

Conclusion

No dog owner wants to choose between their financial well-being and their pup’s health. Thankfully, with dog insurance, you won’t have to. If you have a furry Labradoodle in your family, enrolling in dog insurance can help ensure that they get the care they need at a more affordable out-of-pocket cost. All you need to do is find a plan, pay a monthly premium, and then your canine friend is covered!

Ready to get started? After countless hours of research, we’ve found that Lemonade pet insurance consistently performs the best with the lowest monthly premiums.

SwiftScore Ranking Methodology for Labradoodles

We ranked the best pet insurance policies for Labradoodles based on a variety of important factors including the following:

  • Average monthly price for a 2-year-old Labradoodle with a $500 deductible located in the 90210 zip code (Please note: prices will vary greatly based on your location)
  • Coverage and benefits
  • Key policy details including accidents and illnesses, surgeries, annual check-ups, cancer treatment, lab tests, and more
  • AM Best rating of the underwriter
  • Reimbursement percentage
  • Annual benefit amount
  • Technology and user experience
  • Ease of sign up
  • Policy language clarity
  • User reviews

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